Get mattresses now.
Pay later.
Good credit? Poor credit? No credit?1 Snap Finance has you covered with lease-to-own financing and Snap-branded loan options.
Where do you want to shop for mattresses?
How Snap works
Apply now. Get a decision in seconds.
Snap and our bank partner look beyond your credit score, considering you for opportunities others may not.1
Shop today
Use our Store Locator to choose from 150,000+ shops, in-store or online, to get what you need today.
Pay over time
Get what you need when you need it – without paying for it all upfront.
Answers to your questions
Can you finance a mattress with bad credit?
While having bad credit may limit your options, securing mattress financing is still possible. Snap-branded loans and lease-to-own financing solutions offer a more accessible option for individuals with bad credit or no credit history.
With Snap, all credit types are welcome to apply. While no credit history is required, not all applicants are approved. Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.
Where can I finance a mattress with bad credit?
You can always call and ask your local mattress and furniture stores about their financing options. Or you can save time and apply online for Snap-branded loans or lease-to-own financing in minutes, before you even start shopping. If you’re approved, a quick search will give you the names and locations of local businesses that love working with preapproved customers.
What could your lease-to-own payments look like?
Snap-branded financing options include lease-to-own financing and loan options with multiple plans that may affect overall cost. Use our calculator to see what your payments might be with a lease-to-own financing agreement. For loan options, your payments would be different.
This is based on our standard 12-18 month plan. Or, you can choose Snap’s 100-Day Option, which helps you save significantly on lease costs when you make all regular payments on time and pay the required amount in the first 100 days.2 After 100 days, you can also save on lease costs if you buy out your lease early.
What could your lease-to-own payments look like?
Snap-branded financing options include lease-to-own financing and loan options with multiple plans that may affect overall cost. Use our calculator to see what your payments might be with a lease-to-own financing agreement. For loan options, your payments would be different.
This is based on our standard 12-18 month plan. Or, you can choose Snap’s 100-Day Option, which helps you save significantly on lease costs when you make all regular payments on time and pay the required amount in the first 100 days.2 After 100 days, you can also save on lease costs if you buy out your lease early.
Disclosures
Snap-branded product offering includes retail installment contracts, bank installment loans, and lease-to-own financing. Talk with your local Snap merchant for more details on which product qualifies at your store location. For more detailed information, please visit snapfinance.com/legal/products.
1 Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with submitted applications, and your score with those agencies may be affected.
2 The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is your highest cost option. To exercise an early ownership option, including the 100-Day Option, customers must make all regular payments on time and ensure the required amount is paid within the applicable timeframe via the customer portal or by contacting Customer Care at 1-877-557-3769. The 100-Day Option may include a cost of lease above the merchandise price.